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Re: Thoughts on 100% stock allocation for 33 year old

Elements of investing is a great book! I'm 100% stocks and feel good about it since I have 25+ years to invest. Put your investments on autopilot every month and stay the course. Focus more on working, family and find some hobbies you enjoy to keep you pre occupied instead of watching CNBC during th...
by Trailbreaker1
Sun Jul 13, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6697

Re: But why not 100% stock index fund?

It's not too big a deal if u wanna go 100% stocks if your young and have plenty of time to invest. Just beware and understand your account value can be cut in half by 50% or more at certain times. But if you have the time and have the right temperament to keep investing then who cares. Do it. It's w...
by Trailbreaker1
Sun Jul 13, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7647

Re: Market Crash Stategies?

There's a lot of good comments so far. I think the best strategies for dealing with a market crash is... 1). Get out if debt (everything except for the mortgage) and stay out of debt. Live simple yet comfortable. 2). Build up a nice cash reserve in the bank. Something that makes you feel comfortable...
by Trailbreaker1
Wed Feb 19, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Market Crash Stategies?
Replies: 40
Views: 3391

Re: Not happy with market

I think it's a big mistake for someone new to investing to be 100% stocks -- no matter their age or investing horizon. I think a much better place to start is say 50% stocks/50% bonds for a few years until one gets a feel for how the market fluctuates and their own risk tolerance. Then they can adj...
by Trailbreaker1
Thu Jan 30, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13601

Re: Not happy with market

roymeo wrote:So, with 100% stocks, you don't believe in any rebalancing bonus, obviously.


I do rebalance to get back to my target AA of Total stock market (65%). Total international (15%), small cap value (20%).

....I'll let ya know how it does 20 years from now. :sharebeer
by Trailbreaker1
Wed Jan 29, 2014 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13601

Re: Not happy with market

I'm 100% stocks as well and have about 20+ years to accumulate and plan to stay with all stocks. We should enjoy when the market goes lower so we can buy more shares at cheaper prices. Keep investing and we'll be happy with the end results. If the stock market lost 50% this year I'd cut back my life...
by Trailbreaker1
Wed Jan 29, 2014 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13601

Re: TAYLOR'S 90th BIRTHDAY

Taylor is the man!! Much respect to him.

Happy Birthday Taylor!
by Trailbreaker1
Tue Jan 28, 2014 12:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 22985

Re: Age in Bonds - Who Follows a Different Strategy?

I follow a wee but different strategy. I hold 0 bonds. I'm currently 100% stocks. I'm 38 y/o and have a good 20+ years to invest. I will more than likely add bonds in when I approach retirement.

Nothing wrong with having some bonds in your portfolio at any age. Depends on what you like.
by Trailbreaker1
Mon Jan 27, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Who Follows a Different Strategy?
Replies: 132
Views: 7139

Re: Do Bogleheads see this market dip as a buying point?

It's not a big dip so far. Personally I don't increase my set monthly contributions until the S&P dips below 10%. The. More it decreases, the more I increase my monthly contributions.
by Trailbreaker1
Sun Jan 26, 2014 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13897

Re: New Investor • Made Mistakes • Need Help

I recommend getting started with these 3 books. There amazing and have changed the way I and many others invest. Also check out the other books that Taylor sent a link on. 1). The Bogleheads guide to investing. 2). The new coffee house investor 3). The elements of investing. Good luck man. You'll do...
by Trailbreaker1
Wed Jan 22, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor • Made Mistakes • Need Help
Replies: 23
Views: 1835

Re: Best choice for 100% Stocks?

- DCA during any and every market condition If you DCA then you aren't 100% stocks since you're holding cash. That's true. I think everyone should hold some kind of cash though (I.e. emergency fund) regardless if your all stocks or stocks/ bonds. I don't see the cash in the bank as an investment. I...
by Trailbreaker1
Wed Jan 08, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Best choice for 100% Stocks?
Replies: 48
Views: 4835

Re: Best choice for 100% Stocks?

There's probably no right answer for this. I'm 100% stocks and my portfolio is this... Total stock market index- 65% Total international stock market index - 15% Small cap value index - 20% There so many other ways to do it. The most important thing about going all stocks is your investment behavio...
by Trailbreaker1
Tue Jan 07, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Best choice for 100% Stocks?
Replies: 48
Views: 4835

Re: Best choice for 100% Stocks?

There's probably no right answer for this. I'm 100% stocks and my portfolio is this... Total stock market index- 65% Total international stock market index - 15% Small cap value index - 20% There so many other ways to do it. The most important thing about going all stocks is your investment behavior...
by Trailbreaker1
Tue Jan 07, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: Best choice for 100% Stocks?
Replies: 48
Views: 4835

Re: 100% Stock Portfolio in Small Cap Value??

I have 30 years to invest and I'm 100% stocks. I don't see anything wrong with that as long as you continue to buy (DCA) and hold, riding the ups n downs of the market. But I feel the whole point of indexing is to diversify as much as you can. Why not buy the total stock market and then tilt towards...
by Trailbreaker1
Tue Jan 07, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Portfolio in Small Cap Value??
Replies: 42
Views: 3998

Re: If Warren Buffett Just Indexed, It would consist of...?

Thanks Akiva! That's a good read and very interesting. :)
by Trailbreaker1
Fri Dec 20, 2013 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: If Warren Buffett Just Indexed, It would consist of...?
Replies: 25
Views: 2229

If Warren Buffett Just Indexed, It would consist of...?

This topic is just for fun. I'm curious what other's think Warren Buffett's portfolio look like if he just used Index funds, assuming he has the same knowledge he does now. I know age may or may not make a difference in this discussion in regarding to bonds....but since I'm 38 I would guess that a m...
by Trailbreaker1
Fri Dec 20, 2013 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: If Warren Buffett Just Indexed, It would consist of...?
Replies: 25
Views: 2229

Re: What to expect from the stock market-

Dave Ramsey tells millions of Americans they can find good growth stock mutual funds that average 12%. I'm sure that's what they are all expecting to get.
by Trailbreaker1
Wed Jul 17, 2013 9:34 am
 
Forum: Investing - Theory, News & General
Topic: What to expect from the stock market-
Replies: 41
Views: 4235

Re: New in investing, advice greatly needed.

Dave Ramsey would say "Sell the car".
by Trailbreaker1
Fri May 24, 2013 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: New in investing, advice greatly needed.
Replies: 32
Views: 1462

Re: THANKS, BOGLEHEADS, FROM JACK BOGLE

Jack is the man!! Happy belated Birthday to you. :sharebeer
by Trailbreaker1
Mon May 13, 2013 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: THANKS, BOGLEHEADS, FROM JACK BOGLE
Replies: 39
Views: 5321

Re: My Take on Gold

Nice article Rick. Thanks for posting. I have a co-worker that completely cashed out his 401K and took all the penalties and taxes so he could buy gold with it. He told me that he thought the government would come after everyone's retirment $$ in the future and he wanted something physical and of v...
by Trailbreaker1
Tue Apr 23, 2013 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: My Take on Gold
Replies: 213
Views: 17955

Re: My Take on Gold

Nice article Rick. Thanks for posting. I have a co-worker that completely cashed out his 401K and took all the penalties and taxes so he could buy gold with it. He told me that he thought the government would come after everyone's retirment $$ in the future and he wanted something physical and of va...
by Trailbreaker1
Tue Apr 23, 2013 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: My Take on Gold
Replies: 213
Views: 17955

Re: 2012 IRA DEADLINE IS APRIL 15--Only one week away.

Thanks Taylor! I was wondering about this earlier today. I'm planning on opening up my first Roth this Wed with Vanguard and purchising the Total Bond index fund (inv) for $3K. I assume I can purchase my other fund Total Stock market index (inv) for $3K anytime after April 15th 2013 since the year w...
by Trailbreaker1
Mon Apr 08, 2013 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: 2012 IRA DEADLINE IS APRIL 15--Only one week away.
Replies: 12
Views: 1334

Re: My first Roth! Which of these 2 options are best??

It does not sound crazy dumb, but if you are selling in taxable to buy in Roth IRA, your portfolio is not as big as you said and some money has fallen through the cracks. Where is that $7k coming from, anyway? I would sell all of taxable (if the tax damage is not too much) and buy in His Roth IRA a...
by Trailbreaker1
Sun Apr 07, 2013 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first Roth! Which of these 2 options are best??
Replies: 14
Views: 625

Re: My first Roth! Which of these 2 options are best??

Wow, thanks retiredjg! That was all very detailed and nicely put together! Your awesome! I'm not to hell bent on having International stocks anyway. I don't think I want them anymore than 10% of my over portfolio. I'm not too worried about them right now. You are right! I should be contributing to m...
by Trailbreaker1
Sun Apr 07, 2013 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first Roth! Which of these 2 options are best??
Replies: 14
Views: 625

Re: My first Roth! Which of these 2 options are best??

Thanks retiredjg! Your right, I meant to say 70/30 stock n bonds, with 10% of the stocks being international. I dont know why I typed it like that. I have $72,000 in my 401K right now. I plan on saving $664/ month in 401K (that includes match). I plan on trying to max out my Roth IRA every year. @$5...
by Trailbreaker1
Sun Apr 07, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first Roth! Which of these 2 options are best??
Replies: 14
Views: 625

Re: My first Roth! Which of these 2 options are best??

Thanks! I edited my original post using that format. :)
by Trailbreaker1
Sun Apr 07, 2013 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first Roth! Which of these 2 options are best??
Replies: 14
Views: 625

Re: My first Roth! Which of these 2 options are best??

Thanks all. I'll try and answer some questions and give you more info... I'm 37 years old. I'll prolly retire when I'm 65-67 ish. I make $100k/year. Federal tax brackat = 25%/ State = 5% My 401K options are not very good with my current employer, but I do contribut up to the match. Here's the funds ...
by Trailbreaker1
Sun Apr 07, 2013 11:28 am
 
Forum: Investing - Help with Personal Investments
Topic: My first Roth! Which of these 2 options are best??
Replies: 14
Views: 625

My first Roth! Which of these 2 options are best??

Hello all, I'm opening my first Roth IRA at Vanguard next week and I'm torn between which funds to put in there. If you could help me out I would appreciate it. General Emergency funds: 3 Months worth Debt: Car loan ($400/month) that will be paid off in January and Mortgage is 160K at 4.25% fixed 30...
by Trailbreaker1
Sun Apr 07, 2013 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: My first Roth! Which of these 2 options are best??
Replies: 14
Views: 625

Re: 37 y/o needing help with my 401K choices, please!

You guy's are awesome! Thanks so much. Your right, my wife is a beneficiary on my 401K account. I guess I do save @15% of my income. 5% in my 401K and 10% in Vangaurd index funds to "supplement" my retirment. I looked into my 401K plan and the load fee is waived on the bond fund. So far I ...
by Trailbreaker1
Sat Apr 06, 2013 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 37 y/o needing help with my 401K choices, please!
Replies: 15
Views: 2096

Re: 37 y/o needing help with my 401K choices, please!

Thanks retiredjg! I did say that my current portfoliol is high 4 figures n I was wrong. should have been 5 figures. I currently have @ $72K in 401K and @12K in taxable. Oops...my bad. My wife just works part time (2 days/ week) n has no 401k or IRA of her own (she's on mine)....her paychecks just go...
by Trailbreaker1
Sat Apr 06, 2013 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 37 y/o needing help with my 401K choices, please!
Replies: 15
Views: 2096

Re: 37 y/o needing help with my 401K choices, please!

Sorry to bump this post again.... Just curious if the plan I want to do (listed above) is a good way to go about this? All these 401K options have way to high of ER's. I'm thinking of picking one or two of the "least bad" 401K funds... 1. SSga 500 index - .71% (92% contribution). 2. SSga R...
by Trailbreaker1
Sat Apr 06, 2013 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: 37 y/o needing help with my 401K choices, please!
Replies: 15
Views: 2096

Re: 37 y/o needing help with my 401K choices, please!

Thank you both Kenyan and dbr!! Ugh.... I just hate all these high ER's with these funds. So far I'm liking the idea of doing these 3 things... 1). Continue to contribute up to my Company match (4%) in my 401K....but no more. 2). Pick one fund (SSGA index) .71% and go 100% all in. If I wanted to pic...
by Trailbreaker1
Fri Apr 05, 2013 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 37 y/o needing help with my 401K choices, please!
Replies: 15
Views: 2096

Re: 37 y/o needing help with my 401K choices, please!

Much appreciated advice Kenyan! I noticed on that fund you recommended the "PIMCO Total Return Fund - Class A (PTTAX) (0.85)" that it's a load fund of 3.75 and the turnover rate is 584.0% according to Morningstar. I'm still new to investing but does all that turnover affect anything with i...
by Trailbreaker1
Fri Apr 05, 2013 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 37 y/o needing help with my 401K choices, please!
Replies: 15
Views: 2096

Re: 37 y/o needing help with my 401K choices, please!

Haha! Ya that's bad when you have all those choices and your best option is to put all your money in just one fund. Ugh! Thank god I I found this site and read the Boglehead guide to investing.....otherwise I'd be clueless.

Thanks for the Comment Twins Fan. I think you have a good point!!!
by Trailbreaker1
Fri Apr 05, 2013 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 37 y/o needing help with my 401K choices, please!
Replies: 15
Views: 2096

37 y/o needing help with my 401K choices, please!

Hello, I have one of those ADP 401K plans where I don't like most of the options available. As you will see the ER is pretty high on all of them. I would love some feedback as to which funds would be best for me to invest in. I have driven myself nuts thinking about what to do here and would appreci...
by Trailbreaker1
Fri Apr 05, 2013 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 37 y/o needing help with my 401K choices, please!
Replies: 15
Views: 2096

Re: Using dividends+Capitol gains in one fund to buy another

Oh thanks 2retire! I'm in the same boat as you. I didn't know having a balanced fund like STAR or Target funds were bad choices in a taxable account till I came here. I figure there's no reason to contribute anymore to STAR fund but if I used the dividends and capitol gains it makes and redistribute...
by Trailbreaker1
Tue Apr 02, 2013 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using dividends+Capitol gains in one fund to buy another?
Replies: 7
Views: 397

Using dividends+Capitol gains in one fund to buy another?

Anyone invest their dividends and capitol gains to buy shares in another fund? I have a STAR fund in a Taxable account @ $10K. I stopped paying monthly contributions. I recently opened up a Vanguard Total Stock Market Index Fund (Taxable account) $3K where I contribute $200/month every month from my...
by Trailbreaker1
Tue Apr 02, 2013 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using dividends+Capitol gains in one fund to buy another?
Replies: 7
Views: 397

Re: What to do with my STAR fund? Newbie queston...

Very nice input from everyone...Thank you all! :) My AA is right now (at 37 years old) is primarly in stocks. I have bonds in my 401K. so If I did sell my STAR fund and exchanged it all to Total US Stock Market Index, my AA looks something like 85/15 stock to bond ratio. My risk tolerence is very hi...
by Trailbreaker1
Tue Apr 02, 2013 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my STAR fund? Newbie queston...
Replies: 14
Views: 1445

Re: Jack Bogle on CNBC warns about bumpy ride next decade

I'm planning on doing 2 things through this bumpy decade ahead of us... 1). Continue to regularly invest every month as usual in my index fund... 2). If we do get that 25%-50% decline then I'll contribute a little bit extra to buy those shares at a sale price... It would be scary for a lot of people...
by Trailbreaker1
Mon Apr 01, 2013 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC warns about bumpy ride next decade
Replies: 35
Views: 6157

Re: What to do with my STAR fund? Newbie queston...

Thanks for all the great replies! I really appreciate all your input! ....I guess I should have had the STAR fund in a roth IRA (oh well). Since I have it in a taxable account I don't see a point in having lots of $$ in it. I think I'm going do a fund-to-fund echange and tranfer enough money from my...
by Trailbreaker1
Mon Apr 01, 2013 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my STAR fund? Newbie queston...
Replies: 14
Views: 1445

Re: What to do with my STAR fund? Newbie queston...

Thanks bottomfisher for the reply! I do not have the STAR fund in another tax deffered account. Unfortunalty my 401k funds don't have any vanguard options. Just this SSga company that has index funds available. Both my Vanguard funds (STAR and VTSMX) are in a taxable account. I guess my thinking at ...
by Trailbreaker1
Mon Apr 01, 2013 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my STAR fund? Newbie queston...
Replies: 14
Views: 1445

What to do with my STAR fund? Newbie queston...

Hello everyone, This is my first post on these boards and I'm pretty new to investing. I have been reading about these index funds and their low costs for a couple months now and a few weeks ago I opened up The Total stock Market index (VTSMX) investor shares. The only other outside my 401K investme...
by Trailbreaker1
Mon Apr 01, 2013 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my STAR fund? Newbie queston...
Replies: 14
Views: 1445

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